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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $162,918 | $160,028+1.8% | $147,080+10.8% | $145,884+11.7% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 12.23% | 98.60%-86.4pp | 420.17%-407.9pp | 551.85%-539.6pp |
| Employer contribution / active EE | $3,483 | $5,286-34.1% | $4,933-29.4% | $4,662-25.3% |
| Participant deferral / active EE | $13,222 | $8,422+57.0% | $8,066+63.9% | $6,690+97.7% |
| Admin fee / account holder | $698 | $15,030-95.4% | $12,989-94.6% | $13,392-94.8% |